Personal Banking

 

Business Banking

Loan Services

Loan Services

Business Banking

About Us

Business Banking

At 1st Capital Bank, we believe providing concierge customer service is about providing the right combination of products and services to make banking more convenient and more efficient for your company.  We offer a wide variety of business products and cash management services that allow us to tailor your relationship with us to fit your business banking needs. To get started, stop by one of our branch locations and speak with a Client Services Representative.

Business Products Comparison Chart

Simply click one of the business products to view more specific details

Business Checking & Savings Accounts
Account TypeMinimum to Open AccountInterest EarnedService Charge Minimum BalanceFree Online Banking Free Bill PayNo-ATM Surcharge Fees1 Unlimited Check Writing
Business Checking  $1,000.00 N/A $3,000.002 Checkmark Checkmark Checkmark Checkmark
Business Interest Checking  $1,000.00 Yes $3,000.003 Checkmark Checkmark Checkmark Checkmark
Premier Business Interest Checking $1,000.00  Yes  $25,000.004 Checkmark  Checkmark Checkmark  Checkmark 
Business Money Market $1,000.00  Yes $2,500.005 Checkmark  Checkmark Checkmark  Limited to 6 transactions per statement cycle9
Premier Business Money Market $1,000.00   Yes  $25,000.006 Checkmark  Checkmark Checkmark  Limited to 6 transactions per statement cycle9
Attorney Trust Account (IOLTA) $1,000.00  Yes   N/A Checkmark  Checkmark   N/A  Checkmark
Business Savings $1,000.00  Yes   $500.007 Checkmark   N/A  Checkmark Limited to 6 transactions per statement cycle10 
Premier Business Savings $1,000.00  Yes   $500.008 Checkmark  N/A   Checkmark Limited to 6 transactions per statement cycle10 
 
 


We Make Banking Easy

    • Free Visa® Debit Card
    • Free Online Banking and eStatements
    • Free Electronic Bill Payment
    • Free Mobile Banking and Mobile Check Deposit
    • Combined Statement Available with Checking or Savings Account with Identical Ownership
    • Optional ACH Origination, Online Wire Origination, Positive Pay and Remote Deposit Services Available
    • Automated Sweep Capability with Other 1st Capital Bank Accounts

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1. ATM surcharge fees charged from other financial institutions or banks will be credited back on your monthly statement.
2. Business Checking: A service charge fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $3,000.00.
3. Business Interest Checking: A service charge fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $3,000.00.
4. Premier Business Interest Checking: A service charge fee of $20.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $25,000.00.
5. Business Money Market Checking: A service charge fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $2,500.00.
6. Premier Business Money Market Checking: A service charge fee of $20.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $25,000.00.
7. Business Savings: A service charge fee of $2.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $500.00.
8. Premier Business Savings: A service charge fee of $2.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $500.00.
9. During any statement cycle, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a pre-authorized or automatic transfer of telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.
10. During any statement cycle, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a pre-authorized or automatic transfer of telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. An additional transaction fee of $10.00 will be charged for each pre-authorized transfer in excess of six per statement cycle.

N/A – Not Applicable

  

Average Daily Balance:
The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Rate information
Interest rate and Annual Percentage Yield are subject to change on your account at anytime. You can contact our branches for current interest rate and Annual Percentage Yield information.

Balance Computation Method
We use the daily balance computation method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Credit Frequency and Interest Compounding Method:
Interest will be credited to your account monthly.  Interest will be compounded monthly.